WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

  


<ARTICLE>              9
<LEGEND>
This schedule contains summary financial information extracted from the
registrant's consolidated condensed balance sheet and statement of income
for the three months ended June 30, 1996 and is qualified in its entirety 
by reference to such financial statements.
</LEGEND>
<MULTIPLIER>             1,000
       
                                          
<Period Type>                                 3 MOS
<FISCAL-YEAR-END>                                     DEC-31-1996
<PERIOD-START>                                        APR-01-1996
<PERIOD-END>                                          JUN-30-1996
<CASH>                                                     24,093
<INT-BEARING-DEPOSITS>                                     14,967
<FED-FUNDS-SOLD>                                                0
<TRADING-ASSETS>                                                0
<INVESTMENTS-HELD-FOR-SALE>                                     0
<INVESTMENTS-CARRYING>                                    239,674
<INVESTMENTS-MARKET>                                      237,141
<LOANS>                                                   723,796
<ALLOWANCE>                                                 2,809
<TOTAL-ASSETS>                                          1,044,608
<DEPOSITS>                                                630,980
<SHORT-TERM>                                               55,915
<LIABILITIES-OTHER>                                        12,526
<LONG-TERM>                                               262,349
<PREFERRED-MANDATORY>                                      23,362
<PREFERRED>                                                     0
<COMMON>                                                    4,053
<OTHER-SE>                                                 55,423
<TOTAL-LIABILITIES-AND-EQUITY>                          1,044,608    
<INTEREST-LOAN>                                            13,529
<INTEREST-INVEST>                                           4,438
<INTEREST-OTHER>                                                0
<INTEREST-TOTAL>                                           17,967
<INTEREST-DEPOSIT>                                          7,178
<INTEREST-EXPENSE>                                         11,473
<INTEREST-INCOME-NET>                                       6,494
<LOAN-LOSSES>                                                  90
<SECURITIES-GAINS>                                             52
<EXPENSE-OTHER>                                             6,387
<INCOME-PRETAX>                                             5,324
<INCOME-PRE-EXTRAORDINARY>                                  3,351
<EXTRAORDINARY>                                                 0
<CHANGES>                                                       0
<NET-INCOME>                                                3,351
<EPS-PRIMARY>                                                 .80
<EPS-DILUTED>                                                 .60
<YIELD-ACTUAL>                                               7.49
<LOANS-NON>                                                   642
<LOANS-PAST>                                                    0
<LOANS-TROUBLED>                                              340
<LOANS-PROBLEM>                                                 0
<ALLOWANCE-OPEN>                                            3,028
<CHARGE-OFFS>                                                 311
<RECOVERIES>                                                    2
<ALLOWANCE-CLOSE>                                           2,809
<ALLOWANCE-DOMESTIC>                                        2,809
<ALLOWANCE-FOREIGN>                                             0
<ALLOWANCE-UNALLOCATED>                                         0


                                     18